American National Group Inc.
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $7.49B | $7.52B | $3.40B | $1.66B | $3.69B | $2.42B |
| Operating income | — | — | — | — | — | — |
| Net income | $533.0M | $729.0M | $392.0M | $131.0M | $553.0M | $671.5M |
| Total assets | $130.26B | $121.22B | $35.88B | $73.18B | $78.35B | $71.69B |
| Total liabilities | $120.59B | $111.19B | $29.99B | $70.81B | $72.03B | $65.34B |
| Equity | $9.67B | $10.03B | $3.02B | $2.35B | $6.32B | $6.35B |
| EPS (diluted) | — | — | $2.06 | $20.50 | $5.39 | $6.90 |
| Shares out. | 10,000 | 79.4M | 84.8M | 96.9M | 95.4M | 91.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 7.1%
- Return on equity
- 5.5%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.6%
- Debt / equity
- 12.47×
- Book value / share
- $966900.00
- Revenue growth (YoY)
- −0.4%
- Net income growth (YoY)
- −26.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −1.7%clean
- Piotroski F-Score
- 4/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 2 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Nov 12, 2024
- NT 10-Qmissed a reporting deadline ↗Aug 9, 2024
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Hayes Michael EDirector | May 2, 2024 | D | 3,995 | — |
| Neugent Gerard D.Director | May 2, 2024 | D | 53,507 | — |
| Volpe Nicholas P.Officer — EVP & Chief Technology Officer | May 2, 2024 | D | 19,337 | — |
| Howe Robert LDirector | May 2, 2024 | D | 78,282 | — |
| Healy Douglas TaylorDirector | May 2, 2024 | D | 13,075 | — |
| Cushing Brenda JDirector | May 2, 2024 | D | 22,925 | — |
| Matula Alan DavidDirector | May 2, 2024 | D | 6,904 | — |
| Andre AxelOfficer — EVP & Chief Financial Officer | May 2, 2024 | D | 13,740 | — |
| Chapman Joyce AnnDirector | May 2, 2024 | D | 51,183 | — |
| Lorenzen Jeffrey DOfficer — EVP & Chief Risk Officer | May 2, 2024 | D | 38,756 | — |
| Hamalainen James LouisOfficer — EVP & Chief Investment Officer | May 2, 2024 | D | 16,957 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Results of operationsMay 22, 2026
- Results of operationsApr 9, 2026
- Other material eventMar 17, 2026
- Other material eventDec 15, 2025
- Results of operationsNov 21, 2025
- Completed an acquisition or dispositionOct 7, 2025
- Other material eventOct 6, 2025
- Other material eventSep 12, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KMay 22, 2026
- 10-QMay 14, 2026
- 8-KApr 9, 2026
- 10-KMar 31, 2026
- 8-KMar 17, 2026
- 3FORM 3Dec 16, 2025
- 8-KDec 15, 2025
- 8-KNov 21, 2025
- 10-QNov 13, 2025
- 15-12GOct 16, 2025
- 8-KCURRENT REPORTOct 7, 2025
- 8-KFORM 8-KOct 6, 2025
- 25-NSEOct 6, 2025
- 8-KSep 12, 2025
- 8-KFORM 8-KSep 5, 2025
Event-driven situations (2)
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